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Document What happens if I decide to retire before reaching my ERRBO retirement age?

Your pension benefits would be reduced for being paid earlier and longer after taking account of the ERRBO agreement. For example, a member with an NPA of age 66 who purchased a ERRBO agreement of 1 year decides to retire at age 64. After taking account of the ERRBO, the retirement age is one year earlier than the effective NPA and the pension would be reduced by the appropriate factor for early retirement at (NPA -1) in the ERRBO table.

For further information on ERRBO please see our website, this includes the ERRBO factsheet and details for how to apply.
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